Business Coverages

Custom Commercial Insurance Solutions

At AW Welt we offer business insurance coverages to suit the needs of organizations across all market segments, Select a coverage to the left to learn more about how our tailored solutions are a better fit for your company.

Personal Lines

Coverages for Your Home and Everyone Inside

AW Welt personal lines offer financial stability and protection in a risky and ever-changing world. Find a coverage on the left to learn more about how we can help you protect your belongings, and your loved ones.

About Us

Our Background Story

The founding of AW Welt Ambrisco Insurance occurred April 1, 1998 as a result of a merger between AW Insurance Group and Welt, Ambrisco, Winegarden Insurance, Inc. These two agencies enjoy a rich history dating back to 1879 with the S.T. Morrison Agency.

Client Resources

Client Tools Available 24/7

Our clients are our top priority. Looking to file a claim? Review your account information? Get in touch? We're here for you online 24 hours a day, 7 days a week. Can't find what you're looking for? Just email or call and we'll be happy to help.

Fall is officially here, And that means, changing leaves, pumpkin everything, and of course, health insurance. The first official event of the health insurance enrollment season is fast approaching: Medicare Annual Election Period (AEP). For those aged 65 and older, this is the only time to make changes to your plan elections outside of a qualifying special enrollment event. The Medicare AEP opens October 15th and runs through December 7th.

What is Medicare?

Medicare is a federal health insurance program that provides coverage for American’s aged 65 and older. Recipients are automatically enrolled in Part A and Part B coverage on the first day of the month they turn 65. Additional Medicare plans and supplements are available to help cover or close the gaps in Original Medicare.

2017 Annual Election Period

The Annual Election Period is October 15-December 7 for coverage beginning January, 2017. This is the time recipients should review their current plan and future plan options. There are a few changes Medicare recipients should be aware of, including:

Prescription coverage

Part B premium increase (for those who did not see an increase in 2016)

Continued changes & updates to Medicare Advantage plans

Plan providers should send beneficiaries information about their plan and possible changes. It’s important to review these documents to know about any increasing co-pays, changes to drug formularies, deductibles and premiums. Reviewing your plan and available options can help you make adjustments to reflect your current health coverage needs.

The biggest item you should review annually according to Individual Health Risk Advisor, Johanna Rundlett? Your medications. Part D or prescription drug plans change from year to year. Reviewing your medications is key in making sure you have adequate coverage for the upcoming year.

Part D “Donut Hole” Is Shrinking in 2017

One of the big changes to 2017 Medicare coverage is the Part D or Prescription drug plan “donut hole.” In 2016, the gap in coverage occurred once the $3,310 threshold in medication expenses was reached. In 2017, the coverage limit is $3,700 and ends once they have spent $4,950. While in the hole, plan beneficiaries will pay 40% of the cost for brand name drugs and 51% of the cost of generic drugs (down from 45% and 58% respectively in 2016). The Part D donut hole is steadily closing, and should be fully closed by 2020 (MedicareResources.org May 3, 2016).